Jeanne worked with Linda in a successful real estate business. They were hesitant and nervous about discussing insurance, but eventually purchased policies. The insurance agents helped update the policies as needed – making sure the business would be protected and the families not held responsible. The update of the policies saved the financial future of all parties involved.
Long Term Care Policies
Lynda and Alan were employed with the same organization and took advantage of the long term care policies offered through the insurance company. Alan started to slowly lose his memory and his health took a bad turn. The insurance they had purchased many years before provided the financial assistance they needed to survive.
Stay At Home
Life insurance isn’t just for the main providers so all of you stay at home parents, listen up! This one is for you!
If you’re lucky enough to have the option of allowing one parent to stay at home with the kiddos and you choose to do so, please don’t undervalue your worth.
Being a stay-at-home parent is the hardest job on the planet and the most unappreciated. You never have a day off, you work 24/7, you don’t get a paycheck, you get puked on, spit on and pooped on and that’s just par for the course. It’s incredibly hard and exhausting, but it is also the most rewarding job out there because you are raising little humans. Seriously, how cool is that? You’re responsible for aiding in the development of personality and character. You are teaching about honor and good work ethic.
Now imagine leaving all that in the h ands of some under qualified, cheap babysitter. NOT OKAY. If anything ever happens to you stay-at-home parents, don’t you want to know for certain that the jobs YOU take on day in and day out will still get done by people who have heart and are educated to do so? That will cost money. No matter how you feel when you’re getting puked on, your job is massive. Your shoes are big ones to fill. Don’t undervalue your worth. Protect yourself today.
Learn From Cindy and Matt
Cindy and Matt started saving for retirement around the time they first got married and when they purchased their first home. Their insurance agent assisted them with more structured financial planning, to include disability insurance as a ‘just in case.’ Once Cindy’s health changed, the insurance was sued to keep the family from entering financial ruin.
We Promise
For a LONG time, affordable life insurance was a benefit offered to only the young, healthy, non-threatening people of the world. In the past, age mattered. Your healthy history mattered and even your financial status played a role simply because if you didn’t fall into the group of “young and healthy” and you weren’t “well off” there was no way you could afford life insurance of any kind.
Those rules are NO MORE.
We offer:
*Guaranteed Whole Life Insurance
*High Risk Life Insurance
*Critical Illness Life Insurance
*Physician Free Life Insurance
*Mortgage Protection Life Insurance
*Instant Term Life Insurance
We have policies for:
EVERYONE!!!!
We are not interested in screwing people out of their money. We are not interested in wasting your time or blowing smoke
, promising things we can not deliver. We’re not going to sucker you in and then leave you hanging. We’re in it for the duration. We’re here to answer your questions, ease your concerns and offer you the support you need. We’re not a company that offers good life insurance. We are a company that offers GREAT life insurance. Any issue, any budget, any medical condition…we can help you get the coverage you need at a price you want!
Contact one of our life insurance brokers TODAY!
Jeff and Amanda
Jeff and Am anda were high school sweethearts that got married. Jeff loved cars and ran a very successful business. To fund and protect the business, the owners decided to purchase key person insurance to ensure protection of the business. The foresight to protect the business helped cover the tragedy of losing Jeff in an accident.
A Little Free Will Goes a Long Way
I have a little story to tell you…
Once upon a time, there was a lovely couple who had just arrived home from the hospital after welcoming a beautiful new addition to their family. This little bundle was EVERYTHING to her parents. She had only been breathing oxygen for 48 hours and somehow she had already managed to mommy’s heart and wrap daddy around her itty-bitty finger. They lived a moderate life but they loved each other fiercely and that was always enough.
Tragedy struck late one night when fate stepped in, altering their journey forever. Mom and dad were driving home from an anniversary date on a cool October evening when they were hit and killed by a drunk driver.
Now let’s talk about free will…
Thankfully, the parents had chosen to buy life insurance…
Of course the young girl struggled immensely with the loss of her parents, but they had set up a plan which was executed by good, honest people. The young girl was able to continue growing up in a moderately comfortable environment. She worked hard in school and was accepted into the college of her dreams which she was able to attend due to her parent’s proper planning making it financially possible for her to go. While there, she met people who became friends for life, and who helped her on her journey through school and then out into the big world of career planning. She l anded a great job and found her chemical match in an artsy, ambitious man who challenged her daily to be the very best in her field and in life.
Imagine how different her life would have been if her parents hadn’t chosen to protect their daughter’s future. Their death was a horrible tragedy but in it, they were able to give their daughter the gift of life… and a great one at that.
We offer life insurance for parents, young or old, gay or straight, healthy or sick. Please get in touch with us today. We’d love to chat with you.
Brandon Talks Critical Illness
From Br andon:
Twelve years ago, I finally opened the business of my dreams. After decades stuck inside an office, I was able to leave it all behind for a now thriving coffee house.
From day one, it was perfect. Sure there were some struggles here and there, but nothing that killed my spirit or deterred my motivation. The location was perfect and my business quickly became crowded with ‘regulars’ every day. A dream come true!
Unfortunately, only three years into my new business, my health wasn’t doing as well as my business. I had a stroke before leaving my home one morning. Thankfully my wife noticed me acting different prior to the onset of the stroke, so when it happened, emergency responders were already on the way and the aftermath wasn’t as bad as it could have been. However, I still had astronomical medical expenses for the incident itself, as well as financial burden for aftercare and further treatment.
Anyone else I know would have been extremely worried about this situation. Dealing with the medical issue is bad enough, but how do you cope with the financial stress and stay healthy at the same time?
You do it by having Critical Illness Insurance part of your policy plan.
Prior to opening my coffee house, I met with my insurance agent to discuss the exact coverage and policies I needed to protect my family and protect my business. He suggested I add Critical Illness along with Disability and Life Insurance. Had I ignored that suggestion, my situation would have been much worse. Because I took his advice and had Critical Illness Insurance, I received a cash payment that allowed me to cover all of the remaining medical expenses, lost wages, and keep the coffee house form sinking until I could get back to work. My wife and I carefully planned and budgeted and were able to make it through my extended medical treatment plan with only a small amount of out-of-pocket expense.
I still have the coffee house. I still have Critical Illness Insurance.
I wouldn’t choose to live without either of them.
We ALL Need To Be Covered
“Wait, you mean I need life insurance?”…Asked the inner monologue of my twenty-something (ok, maybe late or even WAY later twenties) year old self.
I wasn’t married, didn’t have kids, and nowhere near retirement. I thought life insurance was an ‘old person thing’ that you were required to purchase at a certain age or after some lifetime achievement.
I was wrong.
GASP! It doesn’t happen often, but that old, but younger me was indeed wrong.
At that time, I had been socked with a pretty serious illness (Cancer) and it was quickly brought to my attention that if I were to suddenly be gone, who would be responsible for my remaining debts and how would my final expenses get covered? Just because I wasn’t supporting a family didn’t mean that I was void of needing life insurance coverage. I didn’t want my mother or significant other stuck with the burden. Losing a loved one causes enough havoc on emotions and I felt it would be wrong to leave my financial obligations to someone else.
During my research for coverage and policies, I learned A LOT, including:
Everyone benefits from having life insurance, but it is true, some people may not need a major policy. Such as:
Those with zero dependents: If you’re single with zero children and nobody depends on your income, then you have no need to be insured.
Children: Unless you were Macaulay Culkin’s parents in the early 90’s, you’re probably not dependent on your child’s income, so there is no reason to purchase life insurance on a child.
Retired folks: If your only income is generated from money that you’ve already earned, you no longer need to insure against income that will be lost if you die. In retirement you’re living off income that is already earned, or income that will be generated from itself, not you. (20Somethingfiance.com)
The people that do need life insurance include:
Those with a mortgage or other large debts: Good and bad debt included.
Those with children: If you have a loved one who is dependent on your income to help pay for your children’s schooling or are a single parent, consider taking out a policy to cover the future expense of your children’s college education.
Those with other non-children dependents: This could include a partner, family member, or someone else who is dependent on your income, or will be dependent on your income in the future.
While the illness and situation were both scary and nerve-racking, I found the process of comparing life insurance coverage and getting quotes online to be very easy. I thought that I would be considered high risk and therefore denied life insurance coverage.
I wasn’t.
I was able to find affordable life insurance with the coverage that I needed. It was SO easy.
- While I still hate the illness I had to suffer through, I am happy it gave me the much needed push to examine the importance of having life insurance – even as a single, childless, non-retiree.
- I was wrong.
- We ALL need to be covered and protected in some way.
Father Knows Best
Alysia learned from her father early on in life exactly what she would need to so in case something ever happened to her parents. She never gave it a second thought, but after her life changed dramatically and she experienced medical issues with her father, she quickly became aware of the importance of the pre-planning her parents had done.
